RSA Car Insurance review

RSA Car Insurance offers reliable car insurance in several Canadian provinces. This includes mandatory coverage such as third-party liability, accident benefits and uninsured motorist protection. It also offers extended insurance such as collision and comprehensive along with additional endorsements to round out your coverage.

Learn more about how you can sign up for RSA, and find a broker near you to get a quote for your car insurance.

What is RSA Car Insurance?

RSA is a reputable car insurance provider that works in a number of Canadian provinces. It offers basic and extended car insurance coverage ranging from third-party liability to all-perils coverage. The level of protection you want will typically depend on what type of vehicle you have and how much you want to spend each month.

In addition to standard insurance, RSA also offers a number of discounts and endorsements. This makes sure that you can get just about any type of coverage you want at a price you can afford. The company also includes a lifetime repair guarantee for your vehicle if you get it serviced with an authorized RSA partner.

What’s the lifetime repair guarantee?

RSA works with a network of trusted repair facilities to get your repairs done right the first time. All repairs completed at these facilities will be guaranteed for as long as you insure your vehicle with RSA. This means you’ll never have to pay for the same repair twice.

What types of insurance does RSA Car Insurance offer?

RSA offers a number of different types of insurance through its network of brokers. These include the following:

Mandatory insurance

You’ll typically need to have a mandatory level of insurance in your province, which includes the following:

• Liability insurance. Covers any costs you may incur as a result of being sued for causing an accident.
• Accident benefits. Pays for your own medical bills and those of your passengers if you get injured in an accident.
• Uninsured driver. Gives you financial protection if you get into a collision with an uninsured or hit and run driver.

Collision or comprehensive insurance

You can typically add a combination of the following coverage to add an additional layer of protection to your RSA Car Insurance:

• Collision. Covers the cost of vehicle repairs if you get into an accident with another vehicle or run into a stationary object (such as a tree or guardrail).
• Comprehensive. Covers the cost of damage related to theft, vandalism, fire, falling objects, lightning or impact with an animal.

RSA Car Insurance bundles

You may be able to bundle your car insurance with the insurance you put on your property or recreational vehicles. You may also be eligible for a number of other discounts based on a wide range of personal factors. These include how experienced of a driver you are, whether you’ve had any accidents in the past and what type of car you drive.

What do customers say about RSA Car Insurance?

RSA Car Insurance has fairly poor reviews online, though this seems to be the case with most car insurance companies. There are a handful of positive reviews that praise RSA‘s customer service and the way the company handles claims.

The rest of the reviews are negative and cover every type of issue from high prices and poor customer service to rate hikes and slow claims processing times.

Benefits and drawbacks of RSA Car Insurance

What should I know before I apply?

Eligibility requirements

To apply for RSA Car Insurance coverage, you’ll need to meet the following criteria:

• Be at least 16 years old
• Have a valid Canadian driver’s licence
• Own the vehicle you wish to insure
• Fulfill additional criteria based on which province you live in

How to apply

You can apply for RSA Car Insurance by following these steps:

1. Visit the RSA Car Insurance website and enter your postal code to find a list of brokers near you.
2. Make an appointment and provide the necessary documentation – such as a valid driver’s licence and proof of purchase for your vehicle.
3. Get verified and work with RSA to negotiate the terms of your car insurance if you meet the eligibility requirements.

How to contact RSA Car Insurance

You’ll usually deal with any issues you have with your RSA Car Insurance through the broker that you sign up with. They’ll act as a third-party go-between if you need to file a claim or access your coverage. You’ll also be able to call your broker to get more information about how to change your coverage or pay your bills.

Compare other free car insurance quotes online

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Product CAFCI	Accident Forgiveness	Min. Liability Coverage	Discounts Available	Online Claims	Available Provinces
Surex Auto Insurance	Yes	$1,000,000	Up to 25%		Alberta, New Brunswick, Newfoundland, Northwest Territories, Nova Scotia, Nunavut, Ontario, PEI, Yukon	Submit one application and receive quotes from 10+ insurers. Save up to 25% on your car insurance, plus get access to an insurance advisor. Who it might be good for: Drivers looking to use an insurance broker to compare multiple pricing and coverage options.	Get a quoteMore Info Compare	loading Fetching your data...
Aviva Car Insurance	Yes	$1,000,000	Up to 25%		Alberta, Northwest Territories, Nova Scotia, Nunavut, Ontario, Yukon	Aviva car insurance offers customizable policies, discounts and optional insurance coverage add-ons. Get a free quote through Surex. Who it might be good for: Drivers looking to customize their auto policy.	Get a quoteMore Info Compare	loading Fetching your data...
Travelers Car Insurance	Yes	$1,000,000	Up to 25%		Alberta, Northwest Territories, Nova Scotia, Nunavut, Ontario, Yukon	Travelers auto insurance offers a selection of coverage options for just about any type of vehicle. Get a free quote through Surex. Who it might be good for: Drivers looking to get car, motorcycle, classic car, motorhome or recreational vehicle coverage.	Get a quoteMore Info Compare	loading Fetching your data...

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Bottom line

RSA Car Insurance offers affordable coverage to customers in certain provinces of Canada. In addition to basic coverage, it comes with a number of unique perks such as a lifetime repair guarantee and the chance to collect Air Miles when you pay your monthly premiums. One of the only downsides is that you can’t apply for a quote online, which means you’ll have to go into a broker to find out more about pricing and coverage availability in your region.

Frequently asked questions

• How do I know which RSA auto insurance to choose?

  You’ll usually want to choose a level of coverage that fits your budget and what type of car you have. You may want to choose third-party liability if you’re looking for a lower premium and you have a less expensive vehicle. You’ll typically want to add extra coverage such as collision and comprehensive coverage if you have a newer or more expensive vehicle.

• How are my premiums determined?

  Your premiums will be based on a number of factors such as your driving record, claims history and vehicle type. This is why you may end up having different premiums for the same vehicle based on who’s applying for coverage.

• What kinds of discounts can I get?

  RSA offers a handful of discounts to loyal customers and those who have a history of driving safely. You may be eligible to save money if you have a safe driving record, you insure more than one vehicle at a time or you bundle your home and car insurance.

• Do I need to pay a deductible?

  Yes. You’ll usually need to pay a deductible to get a claim started. You’ll have to pay this amount as an out-of-pocket expense that typically ranges from $250 to $1,500. The price you’ll pay will depend on which deductible has been set out in your policy.